Home claims - Frequently asked questions
How do I report a claim?
To speak with a knowledgeable claim professional to report your claim, please call Travelers of New Jersey toll-free claim reporting number, 1-800-CLAIM33/(1-800-252-4633), 24 hours a day, 365 days a year.
Will Travelers of New Jersey notify my agent after I file my claim?
Yes. Your agent will be notified and given the details of your loss shortly after you speak to a Travelers of New Jersey claim professional.
What information do I need to report my claim?
Depending on the type of claim you are reporting, different information will be needed. Typically, however, the kind of information we will ask for includes:
- Date of loss
- Type of loss or damage
- Location of the damage
- Any related injuries
- Others involved
- The condition of the home
- Description of damaged contents
- If temporary repairs are necessary
- A police report
When you call 1-800-CLAIM33/(1-800-252-4633) to report your loss, Travelers of New Jersey claim professionals are trained to capture complete and accurate information so you can feel confident that the details of your loss will be obtained. And remember, the sooner you call Travelers of New Jersey to report your loss, the sooner we can help you.
I don't have all the information needed to report my claim. What should I do?
You should report your claim to Travelers of New Jersey as soon as possible, even if you don't have all the necessary information. The faster you report your claim to us, the sooner we can start handling your claim. You will also be in contact with your claim representative throughout the entire claim process so you can always update or change information.
How can I find information about my claim?
You can find information regarding your claim on-line. Just click on "My Claim Info" on the Personal Claim Services home page. This site will give you access to your claim details, including your claim handler's name and telephone number.
In order to use this service, you will need the following information:
- Your Travelers of New Jersey claim number (a seven digit number given to you when the claim was reported)
- Your date of loss (the date your loss occurred)
How long will it take to settle my claim?
The first step is up to you. The faster you report your loss to Travelers' toll-free claim reporting number, the faster we can begin handling your claim without delay. Each claim is different and therefore the length of time needed to settle your claim depends on many factors. The type of claim, severity of the damages and other circumstances will all determine the time it will take to settle your claim. Your Travelers of New Jersey claim representative will help you through each step of the process and can answer any questions you have about your claim.
What proof do I need that property was stolen from my home?
Any of the following: receipts, owner's manuals, warranty cards, appraisals, photographs, or boxes that the items came in, will be best to support your claim.
What is a deductible?
A deductible is the amount that you agree to pay as your part of the loss. The insurance company pays for the amount over the deductible if it is a covered loss. For example, if the covered claim is $2,000 and your deductible is $500, you pay $500 and your insurance company pays the $1,500 balance.
Burglars damaged my home during the robbery. Is the damage to my home covered?
Your claim representative will be able to explain to you what is covered under your policy. Each different type of coverage (e.g., contents, structural, time element) depends on the type of policy you own as well as the specific circumstances of your loss.
I can't live in my home. Will you pay for temporary living arrangements?
You may need to secure temporary living arrangements while repairs are being made to your home. If your policy contains additional living expense coverage, we may pay for the "necessary increase in living expenses" in the event your home is uninhabitable due to a covered loss. We may reimburse you for expenses that exceed those expenses that you would normally incur in the day-to-day operation of your home.
A few things to keep in mind regarding this additional living expense coverage:
- The insured will be responsible for seeking reimbursement and will be the one to receive payment.
- This coverage does not provide for lost wages or earnings.
- Please save all bills and invoices for incurred expenses.
- Reimbursement is based on the availability of accommodations comparable to your normal standard of living.
- The expenses are payable for only one of two time periods (whichever is less):
- The time required to repair or replace the damaged property.
- The time required for your household (those normally residing with you in your care) to permanently relocate.
Should I make temporary repairs to my home?
It is important to take immediate steps to prevent further damage to your home. Based on your policy terms and conditions, we may pay for "reasonable temporary or permanent repairs confined solely to protecting property from further damage." You have the option of choosing a contractor to complete the work, or you may complete the repairs.
- Reminder: Please save all bills and/or material receipts from completed repair work. Also, keep an accurate record of any and all expenses incurred to be considered for possible reimbursement.
Do you have an advance payment option?
We understand that a loss to your home may make meeting your current financial obligations difficult. Your Travelers of New Jersey claim representative may be able to advance payments to help speed the claim process. Please contact your claim representative directly to discuss advance payment options.
Is flood insurance covered under my policy?
No. Most major insurance companies (including Travelers) do not offer flood protection as part of their homeowners coverage. Catastrophic risks created by floods are very costly and would raise homeowners premiums dramatically. However, your Travelers of New Jersey agent can offer flood insurance underwritten by the federal government with services provided by Travelers.
If you think you are at risk or would like to learn more about flood insurance, please contact your local agent or Travelers of New Jersey representative. They will be able to provide you with all the necessary information. Under most circumstances you have to wait 30 days from the time the premium and application are received to be covered.
Whom can I call if I have a question about my claim?
Contact your Travelers of New Jersey claim representative if you have questions about your claim. Another important source of information is your Travelers of New Jersey agent, who will gladly assist you with any questions.
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